Banking Relationship Consultant

Banking Relationship Consultant

Job Description:

Delivers exceptional customer service to BMO customers and potential clients, discerning their needs, and providing guidance on financial solutions that are beneficial to them. Works collaboratively within the branch and through multiple channels with BMO partners to offer the desired customer experience and meet overall business objectives.

Responsibilities include:

• Proactively engages with current clients and potential leads by providing needs-focused assessments to cultivate loyalty and pinpoint immediate or future opportunities, taking the lead in this activity.
• Assists in engaging customers to undergo needs evaluations that identify financial solutions and preferred banking channels, offering tailored recommendations that address sales and service needs encompassing everyday banking, retail investments, lending solutions, home financing (including self-employment applications), and small business assistance.
• Assists patrons in exploring the available digital and self-serve avenues to facilitate quick and effortless banking transactions.
• Accommodates customer transaction needs depending on the level of customer visits.
• Drives customer participation to increase BMO's business by making contact, setting up meetings, and forming new relationships in the community.
• Tackles consumer credit audit inquiries and quality check concerns to verify accurate data entry and lending application suggestions comply with legal and regulatory mandates and lending practices.
• Utilizing the risk management framework is vital in protecting the Bank's assets and preserving the quality of the lending portfolio in line with the stipulated standards and established criteria for yield, quality, diversification, and risk.
• Provides credit evaluations for personal borrowing transactions, like home financing, that comply with the Bank's credit policies and procedures.
• Plays a vital role in a cohesive and nimble branch and business team.
• Utilizing investigative approaches to understand the personal banking and credit card needs of clients and integrating marketing promotions and programs into customer discussions to provide strategic recommendations.
• Maintains the accuracy and completeness of work information through effective organization.
• Initiates the search for creative solutions that elevate the sense of personalization in every customer interaction.
• Looks for strategies to help improve the overall customer experience continually.
• Contributes to the achievement of business goals and the quality of customer service provided.
• Flexibility in working at different branches or channels based on market demands can lead to changing schedules each week, encompassing shifts, hours, and days worked.
• Abides by risk and compliance regulations to protect the assets of clients, honor their confidentiality, and prioritize their best interests.
• Remains current with the wider financial services sector, the legal and regulatory environment, and our dedication to upholding the highest ethical standards in our field.
• Incorporates knowledge of contemporary personal banking products, practices, and trends into conversations with customers.
• Identifies and discloses suspected patterns of activity that may be linked to money laundering for investigation.
• Follows the legal and regulatory requirements mandated for the jurisdiction.
• Secures the bank's assets in alignment with the required regulatory, legal, and ethical criteria.
• Undertakes a mix of challenging responsibilities within established guidelines, including the resolution of escalated concerns from fellow coworkers.
• Reviews matters and formulates the subsequent steps to be taken.
• Expanded job duties or accountabilities may be assigned as required.

Qualifications:

• A post-secondary degree in a related field and about 2 to 3 years of relevant experience are desirable, but applicants with an equivalent mix of education and experience will also be considered.
• Accomplishment of the registration for selling investment products in Canada has been finalized in accordance with jurisdictional guidelines.
• Adequate borrowing prerequisites and endorsements.
• Gaining firsthand knowledge of the essentials and fixes needed for personal and small business client satisfaction.
• Knowledgeable about retail investment opportunities and lending instruments.
• A background in financial services is seen as advantageous.
• Capable and expert in employing social media platforms, tablets, smartphones, digital tools, and applications.
• Engagement in a consultative customer service or sales position, demonstrating a passion for delivering personalized service to customers.
• Unwavering dedication to helping our clientele fervently.
• Aim to create a unique customer experience for each individual.
• Emphasizing performance outcomes and excelling in a consultative sales setting within a team context.
• Self-reliant individual with the fortitude and certainty to engage with patrons.
• Ability to cooperate and operate effectively in various team roles.
• Showing expertise in cultivating relationships and engaging with customers.
• Having an ability in the areas of listening, critical thinking, and adeptly handling new challenges.
• Specialized knowledge.
• Proficiency in both spoken and written communication
• Organization skills
• Effective teamwork involves the utilization of collaborative skills to accomplish tasks in a coordinated and cohesive manner
• Ability to think analytically and tackle challenges effectively

About Us:

As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one for yourself and our customers. We'll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we'll help you gain valuable experience, and broaden your skillset.

As an equal opportunity employer, BMO assesses candidates based on their qualifications and merits, without prejudice towards their race, religion, color, nationality, gender, sexual orientation, gender expression, transgender status, age, veteran status, disability, or any other legally protected attributes. BMO also takes into account applicable laws when considering candidates with past criminal offenses.

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